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401k Calculator - Project Your Balance (2026)
Project your 401k balance with contributions, employer match and growth. See how the match accelerates your retirement. Free 401k calculator.
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Your inputs
Always contribute enough to capture the full employer match — it is free money.
Your result
Projected balance
$1,200,000
Employer match total
$210,000
Without match
$1,050,000
Match % of total
17%
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FAQ
How much does a 401k match help?
A typical 50% match up to 6% of salary is free money. Over 30 years at 7%, the match can add hundreds of thousands to your balance.
What return should I assume?
A diversified 401k portfolio historically returns 6–8% nominal. Use 7% for a middle-ground projection.
What is the 401k contribution limit?
For 2025, employees can contribute up to $23,500 ($31,000 age 50+). Employer match does not count toward the employee limit.
How is 401k taxed?
Traditional 401k contributions are pre-tax (taxed at withdrawal); Roth 401k is after-tax (tax-free withdrawal).
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